If you are able to afford an expensive health insurance policy, it is probably a good idea to do so. No matter what age you are, you can’t afford to pay large medical bills if you get sick or injured. Over recent years we have seen overall insurance costs go through the roof. Many people are finding what used to be affordable coverage now is out of their reach. If you have the option to go with one of the top health insurance companies then you truly should. Most offer comprehensive insurance that can dramatically reduce your overall costs compared with lower prices policies from smaller companies.
There are many things that you should be frugal about, but your health is not one of them. If you were to get sick and only had a limited plan you could potentially lose all your savings and then some. Paying a little more for a top health insurance company will allow you the peace of mind that comes with knowing you are covered. Most of the better plans even have extensive coverage for things like surgery and unique treatments that might not even be covered by other policies. Ultimately, this a decision you have to make, but if you can afford to go with a top health insurance companies policy you probably should.
Not all high end policies are equal either. While most are great, the one that is best for you may require some research to find. Don’t just assume that because you have one of the top health insurance companies covering you that you have adequate coverage in all areas. Look at the policy carefully and if necessary get a supplemental plan as well. A little bit extra money paid in premiums is well worth the costs the policy will cover over the long run. Remember that you should never be cheap when it comes to your health.